Feel Good Fix – January 2016

Nowadays it’s nearly impossible not to feel overloaded, stressed out, or just simply like you have no time for yourself. There’s no time to stop, relax, take a break; but the everyday hustle can be detrimental to your mood (among other things). So, we’ve decided to help you find ways to improve your mood with our monthly Feel Good Fix! Think of it as a monthly homework assignment… for yourself. You can do it just one day out of the month, or every single day if you can. It’s all up to you and when you feel you need that extra boost of happiness.

Happy New Year!!!

Congratulations, you made it through the holidays! And we’re SURE that after a couple weeks of either visiting or hosting family and friends, you are all set up and ready to conquer the new year, right?! Yeah, didn’t think so. The holidays tend to be a stressful time of year, which is why our previous fixes were all about taking a break from the crazy. But this month’s fix is about taking action – this month, we want you to de-clutter!

The new year brings a sense of new beginnings and gives us an opportunity to re-evaluate how we want to live our lives. We make resolutions, we get motivated, we set out to make changes. One of the best things you can do before you begin anything is de-clutter and organize yourself for success. If your goal is to get in shape, organize your pantry and workout space. If you are looking to pay off some debt, then organize your finances. It also helps tremendously to do a general cleansing of your environment (home, office, car) to get a sense of preparedness. When things are a mess, you don’t feel ready – or motivated – to do the things that need to be done. Once things are in order, you have nothing left to do but tackle those lofty goals! Take the time this month to break down the necessary areas of importance and clean out the junk, organize, and plan – then get ready to make it a fantastic new year!
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NotSo30s is Going on a 21 Day Fix

We’re stuffed.

Yes, post-Thanksgiving we are walking around and can’t see our toes…

Let’s be honest… We haven’t seen our toes in a while. We are going back to something that we know is healthy and is just what our waistlines need.

 

NotSo30s is going on a 21 Day Fix…

 

Melissa and I have sat here making our shopping lists, looking up recipes, and planning out our week. We will be posting our favorite recipes from the week, and any useful tips that come up along the way.

Make sure to follow the blog to catch all of the progress!

Spotlight – November 2015 – J.R. Ward

Teen girls had the Twilight series – an exploration of first loves, heartbreaks, and the ongoing conflict between vampires and werewolves all wrapped in a glittery package.”Under-sexposed” women had Fifty Shades of Grey – a slightly darker, and much more inventive, look into the world of sex, love, and unattainable billionaires. Both were considered a phenomenon in the book (and then film) industry.

What about those of us that fall somewhere else in the spectrum? We’re too old for Edward (figuratively speaking) and want more out of a love story than pages and pages of exhausting sex scenes. What about those of us that want a good storyline, passion, developed characters, raw sexual power, and lovers that satisfy our complex fantasies?

For that, we have #1 New York Times Best Selling Author, J.R. Ward.

Our first introduction to J.R. Ward’s talent was with her most popular series – The Black Dagger Brotherhood. She is the writer we were looking for; the one that delivers more than just a beginner’s writing style and constant sex. She delivers complex storylines, complete with character development, intricate relationships, and tons of personality. The Brotherhood series alone has been thriving for about a decade and we continue to reap the benefits. She has since branched out to other series, such as Fallen Angels, and, more recently, The Bourbon Kings, which is good for readers who aren’t into the supernatural genre.

Like her hundreds of thousands of followers, we too have been captivated by her incredible attention to detail. Her stories keep us guessing while developing into what feels like a parallel universe that you wish you were a part of. It satisfies our need for adventure; but most importantly, STRONG women are supported in her series. There are no “damsels in distress” here, people. Even a female character that seems demure and helpless at first can go toe-to-toe with her lover; firing back a smart-ass one-liner to show that she is an equal in a relationship with a strong, dominant man. Let me not leave out that Ward sure does know how to write a sex scene. All I’ll give away is that I will never look at a bathroom sink the same way again… and the hubs ENCOURAGES my reading every time a new book is released. #NuffSaid

NotSo30’s is proud to spotlight J.R. Ward and her addictive storylines; and we are thrilled to introduce you to her series, The Black Dagger Brotherhood, which releases its latest installment on December 1st, 2015. If you’re looking for a series packed with alpha-males, bad-ass females, drama, fantasy, and sexy scenes that’ll keep your man wondering why you’re blushing at a book, then this is the author for you. Join us and her legion of fans who salivate at the thought of a new book release; but keep in mind this series is a decade in the making… so you should probably keep your Kindles charged up because you’ve got a lot of catching up to do!

JR Ward Photo used with permission from The Berkley Publishing Group. Photo Credit: Jan Cobb

JR Ward
Photo used with permission from The Berkley Publishing Group.
Photo Credit: Jan Cobb

Adele is Returning to Us…

This morning brings amazing news… I opened up Facebook to see the post below from Adele’s certified account…

  
Commence squealing in uncontainable excitement… Adele is returning to us!!!

NACA Part Three – My Experience from Beginning to Almost End

In this final installment of my experience with NACA (the Neighborhood Assistance Corporation of America), I will review the steps I went through after our mortgage counseling.

After many months of budgeting, planning, taking care of open credit report issues, ensuring all bills were paid on time, and most importantly, saving – my husband and I were finally able to say we had checked off all of the “to-do’s” on our action plan.

This. Was. Not. Easy.

It was WORK to budget and stick to that budget. It was WORK to make sure all of our bills were paid on time and that the right amount of money was going into our savings account monthly. It was WORK to negotiate with creditors or have errors on our credit report corrected. Although this was a lot of work, it brought about a growth, maturity, and unity in my relationship with my fiancé. We were working diligently to ensure that we had a solid start to our marriage and a solid foundation to grow upon.

The application process was a few weeks of stress and panic. We had to make sure all documents in our file were up-to-date. As previously mentioned, one of the standout differences of the NACA program was that they underwrite upfront for an APPROVAL, not a pre-approval which is standard with many conventional and FHA loans. At the time of our application, it was a bit of a hectic time as the bank that backed the loans for NACA was being transitioned from one institution to another.

We signed a STACK of forms. No sarcasm. A STACK… I should have hugged a tree as I left the office since a tree gave its life just for us to have a STACK of mortgage application forms to sign.

We followed up frequently. (Don’t be THAT person that follows up every two hours. Be reasonable.) We QUICKLY submitted documentation that was requested of us. It was nerve-wrecking. Let’s be honest. You are being judged. Not only are you being judged, it is by someone you have never met or seen before and you don’t have an opportunity to explain, encourage, or separate yourself from the crowd. Yet, when that approval comes in… It is OH… SO… SWEET. You feel as if you have overcome a major hurdle. You finally have a sheet of paper with your name and a bank’s name on it, and that sheet of paper says that bank will back you for a mortgage.

NACA requires that the realtors used for the house hunting process take a course and be registered with NACA, as the realtor needs to be familiar with the restraints and style of mortgage provided by NACA. We requested a realtor we had met at a NACA event and hit the ground running.

House hunting is NOT easy in South Florida, especially when you are on a budget. I will not bore you with the details, but I will give you the facts that you need to know…

  • NACA allows you to use 10% of your mortgage amount for repairs/upgrades to a home (so long as that additional 10% falls within your approved mortgage amount).
  • NACA does not allow you to incentivize a buyer on your offer. You can’t say, “Hey… we’ll pay you an additional 1% in cash at closing.”
  • Most importantly, NACA does not allow you to take out a mortgage above the appraisal amount. This is logical, but since NACA doesn’t let you pay (even out of pocket) above the appraisal amount this becomes an issue, especially in hot real estate markets where most people offer above asking price.

Here is what happened with my fiancé and me: We made an offer on a home of approximately $260,000, and the owner accepted that amount. We went through the inspection of the home (which was passed with flying colors), and then we moved on to the appraisal.

That is when everything basically fell apart. It was the downfall of the process. When the appraisal came in, the house appraised for approximately $235,000. NACA would only approve a mortgage for the $235,000 appraised amount. The $25,000 difference was too great of an amount for us to negotiate down or come to an acceptable agreement with the seller. The seller was adamant on selling for $260,000.

My fiancé and I had to walk away from purchasing a home about a week before we would have closed. It was also the week of my fiancé’s birthday. It was also exactly 4 months before our wedding. For approximately 2-3 weeks, we were about as depressed as you could get.

The fault in my situation is that NACA should not be used in hot real estate markets where buyers are a plenty and sellers are scarce. In our market, it is very common for homes to go for slightly above appraisal. Additionally, NACA’s appraisal dispute department was a nightmare to deal with. We had an extensive list of comparable homes that reflected the home was worth more than $230,000, yet they were not trying to find a way to help a customer who has worked so hard and had also referred several friends to the program.

There are certain neighborhoods where sellers outnumber the buyers. In THOSE markets, I’m sure NACA is most effective. The buyer can set the terms with the sellers.

I’m sad to say that my fiancé and I were not able to buy a home. Because it was so close to our wedding, we had to rush to find a place to rent. A year later, we are still renting. It’s a vicious cycle, yet we are already preparing ourselves to buy a home in a year or so using all of the lessons we have learned.

NACA was a great program and a great experience, but for our specific situation, it was not a happy ending.

-Angie

NACA Part Two – My Experience from Beginning to Almost End

NotSo30s NACA Experience 2

In part one of this series I introduced you to my experience with Neighborhood Assistance Corporation of America (NACA) and the introductory homebuyer’s workshop. Today, I would like to tell you about the next major step in the NACA process – mortgage counseling.

After you have attended the homebuyer’s workshop and returned your registration information, within about 2 weeks you will receive an email with what will become something as important to you as your social security number, your NACA ID number.

Keep it. Save it. Make a note of it in your phone or where you can easily access it when you need it.

Along with your NACA ID, you will receive information on logging into your online NACA file. NACA utilizes a paperless system. It is YOUR responsibility to upload your documentation via fax or directly through the computer. If you are not computer savvy, I highly recommend finding a friend who can walk you through the easiest methods for uploading your documentation.

When I refer to documentation I mean bank statements, copies of specific bills, your budget (more to come on that later), paystubs, and any additional proof of income. The homebuyer’s workshop describes in detail exactly what items need to be uploaded.

Here is the FIRST IMPORTANT TIP I will share with you today: BE PROACTIVE. GET ORGANIZED. Gather all of your documentation EARLY. Keep a binder and stay on top of all of your documentation. Every time you receive a new paystub, bank statement, etc. upload it to your NACA file immediately and keep it in an organized binder.

At the workshop you will learn that NACA requires you create a budget. They breakdown line items for you. You absolutely must have this prepared. This budget served me and my fiancé for more than just home buying aspirations. Being that we were engaged and planning our lives together, it was a phenomenal learning experience for the both of us. We both learned how to manage our expenses and income. Budgeting became very important for us and we learned how to save money on a monthly basis. If you were to ask me what the absolute best part of the NACA experience was, it would be how to PROPERLY and REALISTICALLY budget.

At this point you have your NACA ID, are gathering your documents, and preparing your current budget. Your current budget is how you are spending and what your expenses are at that time. No need to exaggerate. They need to see your REAL utilization of money. So, what’s next?

You will be assigned a mortgage counselor and will be assigned a first appointment. Yes, the appointment AND the counselor will be assigned to you. These mortgage counselors are often booked for weeks in advance. If it is IMPORTANT for you to buy a home, then you will make your meetings happen. You will be able to schedule future meetings at more convenient times later in the process.

So, here is my SECOND IMPORTANT TIP: FIGHT for a good mortgage counselor! When I was assigned my first meeting, it was going to be a “telephone meeting” with someone in an out-of-state office.

Nope.

NOT OKAY.

I immediately called my local office and demanded to be scheduled with a local counselor. A telephone meeting is NOT the same as an in-person meeting. MAKE SURE your first meeting is in-person. Do not settle for anything less. Also, if you connected with a mortgage counselor at your workshop, request them as your mortgage counselor.

If you are applying with a spouse, significant other or relative, you BOTH need to attend all meetings. Again, if it is important for you to buy a home, you will make it happen.

On the day of your first meeting, have all of your documentation with you, AND already uploaded to your NACA online file. Be organized. Refer back to the NACA manual for the list of required documents to verify that all of your documentation has been uploaded.

Your mortgage counselor will review three main areas. First, they will run your credit history. There is a minimal charge for this. The counselors do NOT look at your score, they’re more interested in your credit history. If there are any red flags that will cause delays in getting a NACA approval, your counselor will point them out for you. For my fiancé and I, there were 3 collections accounts that we were unaware of that we needed to close-out. The counselor added these items to our “action plan” which we received at the end of our meeting.

The second area that the counselor reviews are your bank statements and paystubs. If there are any overdrafts, or questions about spending, these will be addressed. Overdrafts are NOT allowed. Refer to the NACA manual for the appropriate length of time since the last overdraft. The counselor will also point out questionable spending and advise you of anything you need to resolve. Next, your savings will be analyzed. You will discuss the anticipated purchase price of your new home and the monthly payments, then calculate how much you should have in your savings account for the home purchase. These items will be added to your action plan.

Finally, your counselor reviews your budget with you. This is something you need to STRICTLY ADHERE TO. By sticking to your budget you show that you are financially responsible and capable of handling the expenses of being a homeowner. Again, this is the aspect of the process that my fiancé and I benefited from the most. We realized that our small, frivolous spending added up to a large amount at the end of the month. We also learned that we were capable of saving more money each month than we thought possible.

At the end of your meeting you will receive an action plan with all the items you need to address before your next meeting. If you have plenty of money in savings, no red flags on your credit report, and your budget is in line you may be able to go straight to the application process.

For us, we needed to wait about 6 or 7 months to save enough money. We also used that time to clear up red flags.

One of the differences between NACA and a standard mortgage broker/company is that you are not going through this process for a pre-approval. You get APPROVED from the beginning. All of the hoops you jump through have a reason—an actual APPROVAL letter.

I will emphasize again that it is very important to upload your documentation every single month. Find a way to track what you need to upload. Also, always keep a copy of everything.

As you continue through the process, you will see the items on your action plan get checked off and will feel a major sense of accomplishment working towards meeting your savings goals!

After your follow-up meetings, and once you have completed the items on your action plan, your mortgage counselor will let you know that it is time for the application process!

Stay tuned as the last installment of the series discusses the application process, house hunting and being under contract!

If you have any questions you want to make sure to address in the final post, either comment or email me. I will do my best to help as many as I can!

Side note: Being that I have gone through the NACA process, I highly recommend you read ALL parts of my NACA experience before you make any decisions. You may also consider attending just the workshop to become more informed before making your decision. If you have any questions, please feel free to ask! Email me at NotSo30s@gmail.com )

NACA Part One – My Experience from Beginning to Almost End

NACA Part One

I am frequently asked: “Did Neighborhood Assistance Corporation of America (NACA) work for you?”

NACA is a company that I first learned about from a credit counselor my husband and I were seeing. We sought out credit counseling to improve our finances in order to purchase a home. A credit counselor can tell you which debts to prioritize or how to help improve your credit – but they seldom advise you on how to properly budget. This will be important later.

I researched NACA online and saw they were hosting a seminar about 20 minutes away that would take place in about 2 weeks. (At the time, my husband and I were not married yet and were living with our respective families.) It is crucial to sign up for those workshops, as you cannot begin the NACA process without attending a seminar.

My husband (should I call him fiancé? That’s what he was at the time. Fiancé. Let’s do that…) My fiancé and I arrived a couple minutes late. I’ll be honest… I gave him hell, as I despise being late, especially since I had NO idea what to expect. The seminar we attended was held in the summer of 2013. We signed-in and several NACA volunteers wearing BRIGHT yellow shirts handed out large booklets to everyone. The seminar was held in a gymnasium. Folding chairs and portable bleachers were set-up in the middle of the court, as well as a screen for a presentation. The poor acoustics in the gymnasium made it difficult to hear the short video clips that were played, and I’m sure it was worse for those sitting in the back. Additionally, the projector was not designed for such a large space and the presentation was difficult to see. I recommend, if you are attending a NACA seminar, get there early and sit close to the front!

The presentation began with the creation of NACA and who they are. I’ll admit—it was a bit cheesy and “cheerleadery.” (Cheerleadery. Cheerleader-y. I know it isn’t a word, but it fits people! Just stay with me here…) Anywho. Then, they got into the guts of the program: the requirements, how their mortgage plan works, and the steps to qualify. This is not your normal mortgage program. It is EXTREMELY structured. EXTREEEEEMELY. Yet, the benefits, if you work hard enough to qualify, are absolutely worth it. I mean it.

Now, while you are there, don’t you DARE think about leaving early and that you are slick enough to sneak out and still get credit for attending. Yes. I said credit. You cannot begin the NACA process without having attended the workshop in full. How will they know you left early? Easy… you must complete a registration form that is given only at the end of the seminar to receive your NACA ID number and this is required to initiate the NACA process. And no, you cannot arrive late either. I believe they close registration about 15 minutes after the presentation begins. Without turning in that registration sheet you will not have proof that you attended, and that form is collected at the VERY end of the presentation.

“So what, Angie? I can sit for a quick presentation. It isn’t a big deal.”

Well, the seminar wasn’t exactly quick. When I registered for the seminar it was scheduled for FOUR hours on a Saturday morning. Yup. FOUR hours. Saturday morning. It was a sacrifice; however, my husband and I very much wanted a home of our own and we felt it was well worth the investment if it got us to our end goal.

The seminar we attended did not last the entire four hours. The presenters were organized, limited the number of questions they answered in front of the group and asked for those with further questions to save them for the end of the seminar.

Now, remember that booklet I mentioned? Crucial. Vital. I can’t stress this enough. About 95% of all questions are answered in that booklet. It described, in detail, the mortgage product NACA offers. It also has all of the requirements and rules including: “What if I have had a previous foreclosure?”, or “what if I have current medical debt?”

I don’t remember all of the specifics; that is what the workshop is for. But I can tell you, that while there are rules, they are not as restrictive as most FHA/conventional type mortgages.

Some BENEFITS of the NACA Program are listed below. (Please keep in mind that this post is being written as of May 2015. All of these items are subject to change, and I insist that you visit the NACA website for more information. I am only sharing with you what I learned through my own personal experience.)

So, I’m just going to bullet point these for you. Why? Cause they are so major that they will speak for themselves.

  • No Down Payment
  • No Closing Costs
  • Ability to Buy-Down Your Rate
  • Fixed Interest Rate
  • Interest Rate Tends to be Below the Industry Average
  • No Application Fees
  • No Membership Fee
  • No Private Mortgage Insurance
  • Your Credit SCORE is Not Used to Determine Eligibility, Only Your Report Information

I know you are thinking, “What’s the catch?” There aren’t any “catches” per se. There are, however, requirements and a very structured process. Here is a breakdown of some of the items that come to mind:

  • Your credit report is reviewed. Any collections accounts, late payments, etc. are reviewed. This, however, is not a deal breaker. Your mortgage consultant will review your report with you and tell you what items need attention. They give you time to handle those issues or to provide a longer good payment history.
  • Your budget, bank statements and monthly savings are reviewed. You must stick to a budget that you discussed and planned with your mortgage consultant. NACA has a set formula of how much money you need to be able to save each month in order to show that you will be able to handle the monthly expense of being a homeowner.
  • Volunteer work is required. You can volunteer at NACA events or the NACA office. Your volunteer work is logged and you must meet a minimum number of volunteer hours in order to qualify.
  • Volunteer work is required after your home purchase in order to help support the NACA program.

I’m sure you have a TON of more questions, and I am by no means finished telling you about my NACA experience. I am preparing more posts on my experience with this program. Part 2 will be all about budgeting, qualification and the application process. Part 3 will be about the approval and house hunting process. Each phase is different with NACA, as it is with any other mortgage provider.

If you have any questions or areas you’d like me to address in subsequent posts, make sure to either comment or email me. I will do my best to help as many as I can!

Note: Being that I have gone through the NACA process, I highly recommend you read ALL parts of my NACA experience before making any decisions. You may also consider attending the workshop to simply become more informed before making your decision. If you have any questions, please feel free to ask! Email me at NotSo30s@gmail.com )

A Home Buying, Patience Packing, Letter Writing Pro…

Let’s throw this one on the “mini-rant, but really, I’m just trying to give you a heads up” pile, shall we?

Are you considering buying your first home? GREAT! The reward of owning your own home is stupendous… Or so I’ve heard… Cause I’m not THERE yet. Now let me take a bit of the sparkle and shine off of the mortgage finding and house hunting process. Do you want something as BIG and IMPORTANT as a home? Yea? Then pack your patience and brush up on your letter writing skills. While you are at it, buy yourself a big binder and a three-hole punch.

Some people have the false illusion that with just a few documents that BOOM, you are approved for a mortgage. Wroooong. You can get PRE-approved that way, but that is in NO way the finish line of the mortgage process. I present to you Exhibit A:

NotSo30s - Casa Folder

THIS is what I call my “Casa Folder”. (Casa is the Spanish word for house). This is only a FRACTION of all the documentation I needed to provide on my journey to finding a home and getting approved for a mortgage. This expandable folder represents SOLELY the time frame of having an offer accepted by a seller and submitting my bank application. In this folder I have a PILE of letters with supporting documentation. I also have copies of all of my important “Post-Contract” documents: Appraisal, Inspection, Signed Copy of Contract, etc…”

I warn you now. You will write letters. You will RE-write letters. You will write a letter and then have to re-do it because you forgot to add FIVE words that the lender wants on the letter. Here is my BIGGEST tip: Use a cloud service (like Google Drive, DropBox, SkyDrive, etc…) that you can access anywhere. Save EACH INDIVIDUAL letter in that drive. Why? If you need to make revisions you will NOT have to re-invent the wheel. Just make a few updates and BAM! Letter is DONE. Here is another tip: When your lender asks you for a letter, make sure to clarify EXACTLY how they want it written or what key words/sentences are needed, and DON’T waste time by saying you already did a similar letter. Just write it. If they want an explanation as to why you wore navy blue socks with black slacks, don’t ask why. Just write it. If they want to know why you spent $1.49 on your debit card for a pack of gum at the store, don’t ask why. Just write it.

Another important aspect of the mortgage/home-buying process that you need to come to terms with is: Hurry UP and Wait… When your lender or realtor need something from you, you better be ALLLL over it. You can’t blame any delays on your lender or realtor if YOU are the one who is not providing necessary information in a timely manner. Once you send them what they need, hang back. It is okay to follow-up, but you have to let the process work as well. The common time frame from contract to closing in South Florida is about 30-45 days, and that is if all the stars align! I’m not saying to just sit back and wait for people to do everything. Just don’t call them every hour. A friendly email every other morning for a status update is pretty fair. But make sure YOU check YOUR email on a frequent basis. Don’t expect your lender or realtor to see your email and respond within 5 minutes. And DON’T got a day or two without checking YOUR email. You should check your email mid/late-morning and mid/late-afternoon. Communication and accessibility only help the process go by smoother.

With all this being said, I hope you pack your patience and become a letter writing pro! It only means that you are THAT much closer to purchasing your first home!

I Wonder…

Dont Give Up

Have you ever wondered what your full potential was/is? I do, especially this morning. I wonder where I would be if I stopped making excuses and settling with my health, my fitness, my career and my day-to-day life. Sometimes you realize you have wasted time in your life. That’s OK, as long as you open your eyes and move forward! Be better! You are capable of achieving any goal you set, as long as you stick to it and put in the work!

Managing Goals and Daily Life with an App!

Let’s talk…

Do you feel as if your days are just flipping past you and that you haven’t done anything useful with your time?

Do you feel as if your life is a bit stagnant?

Do you feel as if your day-to-day responsibilities are a bit out of control?

Do you feel like you keep making goals but have NO way of achieving them?

I completely understand how you feel. We ALL go through these phases in our lives. I went through a major one. Also, we all sometimes slip back into poor habits and need to re-focus.

Here are the biggest and best tips I can give you…

  1. WRITE EVERYTHING DOWN. Be it on paper or with the use of an app (see #3), make sure you write everrrrrything down. A small task you need to do. A large project you want to start. Short-term and long-term goals. Write them down! Sometimes those amazing ideas that spring into our minds leave our brains just as quickly as they entered, even when you think you just can’t forget such an amazing idea. If you have one place to write everything down, your ideas will stay with you! Don’t rely on just your memory. Your brain does a lot of work every day. Help it out. Also, find one place for all of this info. A notebook, a planner or a smart phone app are your best bets!
  2. WRITE DOWN YOUR GOALS, THEN BREAK THEM DOWN INTO EACH STEP NEEDED TO ACHIEVE THOSE GOALS. It is too easy to set goals. Watch. “I want to lose 25 pounds.” or “I want to make an additional $1,000 a month in income.” or “I want to reduce my debt by 50% in 6 months.” Boom. Goals set. Now what?? This is the most important part. Break down each and every goal to the small steps that need to occur in order for you to achieve those goals. Then, make yourself accountable for hitting those small steps. Set aside time every day to work on your goals. Give yourself realistic deadlines. Just make sure you stick to it!
  3. A SMART PHONE APP CAN HELP YOU ORGANIZE YOUR TASKS AND GOALS. There are tons of apps out there to help organize your tasks and calendar. Some are free and some aren’t. Utilize these tools! You can set alarms, make lists, share lists, etc. Once you set your goals and reminders just refer back to your phone throughout the day to make sure you are achieving the tasks and goals you set for the day. No need to re-write lists by hand once you enter them into an app. It is an amazing feeling when you get to check off tasks as completed.

Now a few days ago I mentioned an app that I love. Well, I loooove it. Looooove loooove it. It is called Priorities and I found it on the Apple App Store. The app has quite a few features that I consider a MUST. You can SHARE pages. “Pages” are for different types of lists. Here is a screen shot of my pages.

Not So 30s - Priorities Pages

As you can see, I have categorized some of my priorities and also included a reminders page. Within each page you can add tasks and lists! The app cost a few dollars, but I have already made that back with all of the tasks I have completed.

Not So 30s - Priorities List

As you can see here, I have a lot of tasks under my Wedding Planning page. Little by little I AM knocking these off the list. I have to admit, every single time I check off one of my completed tasks, I feel a little bit better about what I have achieved that day!

Make sure to follow my blog for more organization and goal-setting tips!